| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDY WILLIAMS3 Filed as: ANDY FIGLESTAHLER | PO BOX 1395 CLEVELAND, TN 37364 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $46K | — | $46K | 5.38% |
| RYAN DAVIS3 | 325 MARKET ST. STE 2017 CHATTANOOGA, TN 37402 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $4K | — | $4K | 0.41% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 45263 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 9.23% |
| RELIANCE BENEFITS, LLC3 Filed as: RELIANCE BENEFITS LLC | 715 CHERRY ST STE 301 CHATTANOOGA, TN 37402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $213 | — | $213 | 0.77% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 45263 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.20% |
| RELIANCE BENEFITS, LLC3 Filed as: RELIANCE BENEFITS LLC | 715 CHERRY ST STE 301 CHATTANOOGA, TN 37402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $132 | — | $132 | 0.80% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 45263 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 9.22% |
| RELIANCE BENEFITS, LLC3 Filed as: RELIANCE BENEFITS LLC | 715 CHERRY ST. STE 301 CHATTANOOGA, TN 37402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $105 | — | $105 | 0.78% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 45263 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $989 | — | $989 | 9.22% |
| RELIANCE BENEFITS, LLC3 Filed as: RELIANCE BENEFITS LLC | 325 MARKET ST. STE 207 CHATTANOOGA, TN 37402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $83 | — | $83 | 0.77% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 238 | $862K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 238 | $862K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 238 | $862K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 134 | $11K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 85 | $28K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 134 | $13K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 134 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.